Things that seem routine to some of us can present monumental challenges to others. For someone just starting out, coming up with the cash for a security deposit can be a major stumbling block. Then there are the billions of adults worldwide who have to pay...
There are 2 billion people connected through the Facebook platform, which means it’s pretty much earned its moniker as the internet’s public square. However, whether it really knows how to manage that public square, and the best way to monetize it, remains to be seen. But...
Consumers are leading lives that are increasingly digitally mediated, particularly as their commerce lives are increasingly defined by multichannel interactions. There are a lot of opportunities in there — digitization and urbanization will make smart cities, making the realm of science fiction a reality. It will...
It may no longer be the case that cash is king on a global stage but, in some markets (particularly developing markets, like India), it’s still doing quite well — as consumers are spending trillions of dollars’ worth of it a year. Digital is making inroads but, as Fiserv noted, if brands...
Waste not, want not, the adage goes — a bit of an exaggeration, perhaps, but one with a large grain of truth. Waste seems to be everywhere. Sometimes it’s a symptom of size — freight logistics generate trillions a year in revenue, and wastes billions on...
The gig economy started out as a way for workers to make a little bit of extra money on the side, but it’s become a dominating force in the labor market as some 40 percent of workers are working gigs — and some 40 percent...
Consumers, particularly younger ones, are increasingly likely to buy in context when making their purchases — be it on social media or in their physical backyard. That’s because “simple, on-demand and fast” has become the new pace customers are used to, and they become grumpy...
Why deliver oneself to a store — and face the hassle of heat, crowds and parking — when the store can deliver itself to you, especially if that delivery might someday involve a real, “live” delivery bot rolling to your door? It might seem a...
The good news about living in a flat world is that it is increasingly connected and accessible — a big opportunity for merchants, consumers and financial institutions (FIs) alike. However, where there is opportunity, there are challenges. Consumers who get more, want more — which...
